Free credit report

[Twofootputt]

Annual report website

Top three companies if you have questions

Equifax

Experian

Transunion

You can also access this by calling 1-877-322-8228

Edit: A bonus - opt-out phone number to stop the credit card offers by mail:
1-888-5-OPTOUT (1-888-567-8688)

 

[OVERKILL]

Thanks OP,

New Jersey and the Eastern States start tomorrow Sept 1st

 

[Technologyst]

Originally posted by: OVERKILL
Thanks OP,

New Jersey and the Eastern States start tomorrow Sept 1st

That is the OFFICIAL start date... however, the system HAS been accepting requests for a bout a week now!

 

[fbrdphreak]

Thanks OP, gonna hit this up soon

 

[Rauthoen]

Nice thanks OP

 

[jalaram]

Thanks for the reminder OP. I just did it.

 

[MikhailT]

None of them will provide the info online. Must request it via mail.

 

[severtki]

Ummm.. Not true. I just checked mine from Experian and did it all online. Took just a couple minutes.

 

[isekii]

none of these places give you a credit score unless you pay for it.

 

[se7en]

they all can be viewed online and for the beacon score equifax will do for 6.95.. ..

 

[jjm]

Just got two of the three online.

 

[jalaram]

Originally posted by: isekii
none of these places give you a credit score unless you pay for it.

Agreed, but this isn't to determine your credit score. It's to check your report in general for signs of identity theft.

 

[Twofootputt]

Originally posted by: MikhailT
None of them will provide the info online. Must request it via mail.

Just tried my own from Equifax; works OK. Amazing the details they have. Just got credit score when applied for another mortgage. 780. Pretty good for an ex-drunk.

 

[supastar1568]

can checking your credit score thru these effect your credit?

i kinda wanna throw down the 5 bucks to know what i have for a score

 

[jalaram]

Originally posted by: supastar1568
can checking your credit score thru these effect your credit?

i kinda wanna throw down the 5 bucks to know what i have for a score

Supposedly, it will affect the score if you check it too often.

Edit: Some older threads have said something like the following:

everytime you apply for credit your score will go down aprox 10 points

 

[supastar1568]

hmm screw it then

not that i have any negative things, just wanted to know it

but guess im not gonna do it

 

[isekii]

Originally posted by: jalaram

Originally posted by: isekii
none of these places give you a credit score unless you pay for it.

Agreed, but this isn't to determine your credit score. It's to check your report in general for signs of identity theft.

Yep.
I have no negatives on my account as always.
Everything is fine and peachy

 

[KenSr]

Thanks OP.

 

[QueZart]

Checking your OWN Score WILL NOT make it go Down.

Applying For NEW Credit where in the creditor checks your credit score MAY make it go down a point or 2 Not 10

 

[mikeford]

Its worth doing, I did all three at once and compared and some bits are different, and the only serious item only appeared on one report. My guess is that next year I will start spacing them out.

Score means something to people in the industry and nothing to me, so I am not paying for it, or worried about it.

BTW I know I have missed at least a few credit card payments, ie letter falls through crack in the car seat on the way to post office and I find it a month or two later, but I was solid green. Anybody get a bad mark from a credit card?

 

[Muscles]

I've been told your credit score only goes down by a few points temporarily when it's checked but after a certain amount of time it goes back up like it was. If someone knows exactly how it works please tell.

 

[Zee]

Damn, i found a credit card that i definitely dont have in my report.

disputing it now. good thing that the person who owns it kept it in good status.

 

[jalaram]

Originally posted by: Muscles
I've been told your credit score only goes down by a few points temporarily when it's checked but after a certain amount of time it goes back up like it was. If someone knows exactly how it works please tell.

Maybe this might help.

To learn about credit inquiries and how they may or may not affect your FICO® score, choose a topic below or scroll down the page.

 

[dxpaap]

thx - after looking at the info that they request SSN#, DOB etc - is there verification that this URL ( http://www.annualcreditreport.com ) is legit.

Of course the three credit reporting companies, have our info - but who is annualcreditreport.com - do they not store the very info that we are trying so hard to protect ?

thank

DP

 

[tw1164]

Time to re-close some accounts :\